PAYE Calculator
Planning your finances is easier when you know how much of your salary you’ll actually receive. Our NZ PAYE Calculator helps you estimate your take-home pay after income tax and other applicable deductions.
Enter your salary, pay frequency, tax code, KiwiSaver contributions and student loan details to see your estimated net pay. Whether you’re starting a new job or reviewing your earnings, estimate your 2026/27 take-home pay and manage your money with confidence.
Calculate Your Take-Home Pay
Estimate your New Zealand PAYE tax, ACC earners' levy, KiwiSaver, student loan deductions and take-home pay.
Pay Breakdown
How to Use the NZ PAYE Calculator
It takes about ten seconds. Here's what to put in.
How Much PAYE Tax Will I Pay?
It depends on three things: how much you earn, your tax code, and how often you're paid. PAYE (Pay As You Earn) is the income tax your employer takes out of every pay and sends to Inland Revenue (IRD) for you.
Your take-home pay is what's left after PAYE and the other deductions: ACC, KiwiSaver and any student loan repayment.
Want to see how your income is taxed in slices? Have a look at our NZ tax brackets guide.
NZ PAYE Tax Rates for 2026/27
New Zealand taxes income in slices, so you never pay the top rate on all of your pay. Only the part of your income that falls inside each band is taxed at that band's rate. These rates apply from 1 April to 31 March.
| Taxable income | Tax rate |
|---|---|
| $0 – $15,600 | 10.5% |
| $15,601 – $53,500 | 17.5% |
| $53,501 – $78,100 | 30% |
| $78,101 – $180,000 | 33% |
| Over $180,000 | 39% |
ACC earners' levy
ACC takes a levy from your pay to cover injuries, wherever they happen. For 2026/27 it's 1.75% of your earnings, up to $156,641. The most anyone pays in a year is $2,741.22.
Looking for every rate in one place? See our NZ tax rates page.
What's Different in 2026/27?
- KiwiSaver goes up. The default rate is now 3.5% for you and 3.5% from your employer, up from 3%. Our calculator uses 3.5% by default.
- The ACC levy is 1.75%. It's a little higher than last year.
- The tax bands stay the same. The five income bands in the table above haven't changed.
The tax year runs from 1 April to 31 March, so this all applies until 31 March of the year after it starts.
Work Out Your Pay, However You're Paid
Paid weekly? Fortnightly? Once a month? Pick the one that matches your payslip. The first three examples use the same pay of $62,400 a year on tax code M, with no KiwiSaver and no student loan.
Paid by the hour? Our hourly pay calculator turns your rate into weekly and yearly pay.
What Comes Out of Your Pay Besides Tax?
Income tax is only part of it. Three other things can come out of your pay.
Which Tax Code Should You Use?
Your tax code tells your employer how much tax to take out. The wrong one can leave you with a bill at the end of the year. Four quick steps:
Not sure which code is yours? Our tax code guide has a short quiz that picks one in about 30 seconds. If you're still unsure, check Inland Revenue's guidance or ask your employer.
How Is PAYE Calculated in New Zealand?
Your employer works out PAYE using your pay, your tax code and IRD's tax tables. It covers income tax and the ACC levy, and your take-home pay is what's left. For the full story, read our PAYE tax guide.
In three steps
- Start with your gross pay.
- Take off PAYE: income tax and the ACC levy.
- You're left with your pay after PAYE. KiwiSaver and student loan repayments come off this too.
The formula
PAYE is worked out in slices: 10.5% on your first $15,600, 17.5% on the next $37,900, 30% on the next $24,600, and so on up the bands. Add the slices up, then the ACC earners' levy (1.75% of earnings up to $156,641) comes off as well.
A worked example
Take a $60,000 salary on tax code M with 3.5% KiwiSaver:
| Item | Per year |
|---|---|
| Gross pay | $60,000.00 |
| Income tax | $10,220.50 |
| ACC levy (1.75%) | $1,050.00 |
| KiwiSaver (3.5%) | $2,100.00 |
| Take-home pay | $46,629.50 |
That's about $896.72 a week.
Calculate my take-home paySalary After Tax in New Zealand
How much of your salary do you keep? On $60,000 it's about 78%. That depends on your tax code, your KiwiSaver rate and whether you have a student loan.
For a closer look, including a pay rise comparison, try our salary calculator.
Our Calculator vs the IRD Calculator
IRD is the official source for tax rules, and it's worth checking your own situation with them. Our calculator is built to be quick and simple: you get an estimate of your pay after tax in a few seconds, without logging in to anything.
For big decisions, like changing jobs or checking an odd payslip, confirm the details with IRD.
Frequently Asked Questions
What is PAYE in New Zealand?
How is PAYE calculated?
How much PAYE will I pay on my salary?
What's the difference between gross pay and take-home pay?
Does the calculator include ACC?
Is KiwiSaver part of PAYE?
Is PAYE the same as income tax?
Can I work out weekly, fortnightly or monthly pay?
Does it include student loan repayments?
More NZ Pay Calculators
Last updated: 22 October 2026. The figures on this page use New Zealand's 2026/27 tax rates and come from Inland Revenue. We check them every April. This is an independent website, not connected to IRD. It gives estimates only and isn't tax advice, so confirm your own situation with IRD or a tax professional.